The Future Of Affordable Housing Finance

Q1. Could you start by giving us a brief overview of your professional background, particularly focusing on your expertise in the industry?

Head – Product Development, Real Estate Finance Unit

State Bank of India, Corporate Centre, Mumbai

(2019–2024)

• Led the Product Development Department of SBI’s Real Estate Finance Unit, managing an Asset Under Management (AUM) of ₹7 trillion. (now grown to Rs
• 8.5 trillion)
• Oversaw the design, implementation, and review of national and regional-level policies, products, pricing strategies, and market penetration initiatives related to Home Loans and associated offerings.
• Developed geography-specific products tailored to micro-market needs, improving customer reach and relevance.
• Conducted continuous performance monitoring, including traction analysis, delinquency review, and Return on Risk-Weighted Assets (RoRWA) benchmarking to ensure competitive and profitable pricing.
• Achieved market leadership in the Home Loan segment with over 20% national market share.
• Championed micro-market and tier-wise penetration analysis to identify underperforming regions and implement targeted corrective strategies.
• Spearheaded a structured mentoring framework to manage both portfolio growth and asset quality—resulting in annual incremental growth of ₹1 trillion and delinquency levels below 0.50%.
• Digitally transformed 80% of Home Loan processes, significantly reducing turnaround time (TAT) and enhancing customer satisfaction.

Q2. How have recent policy changes or…